When we sit down with a church for the first time, we don’t start with premiums.
Instead, we start with questions. A lot of them. And it surprises many church leaders just like you.
- What ministries are you running?
- Do you have a daycare or preschool in your church building?
- Do you rent out space during the week for non-church events?
- Is your church body growing or plateaued?
- What are your biggest challenges right now?
Some folks are surprised by these questions. Others are downright suspicious. But there's a reason we dig deep before we even think about recommending coverage.
We’re trying to understand who you are.
The Three Big Things
If you are short on time, here are the three things you really need to know.
If that isn't enough, here is a link to some quick FAQs for you.
Now back to why we ask so many darn questions.
Why Who You Are Shapes Your Risk
Insurance isn’t just about square footage or line items. It’s about your identity. The life of your church creates risk in ways most insurance companies don’t see coming. Because they’re looking at the wrong data.
Yes, your square footage, building value and premiums matter to your insurance policy. But we’ve been doing this long enough to know that two churches with the same sanctuary layout can have entirely different insurance needs. It all depends on what’s happening inside those walls.
One might have a thriving counseling ministry. Another might host recovery groups. One might partner with homeschool co-ops or host local sports teams in the gym space.
Each one of those items mentioned brings a different layer of complexity to liability insurance coverage. And if we don’t know that? The policy won’t match the risk.
We Ask Because It Matters
We’ve built our process to go below the surface. We believe in helping you perform risk management for the long term. That’s why we ask the kinds of questions that sometimes feel personal. Because they are.
But they’re also purposeful.
- If you host a licensed daycare, your policy needs to address more than basic general liability insurance.
- If you have staff members who are counselors or pastors doing pastoral care, you may need pastoral professional liability insurance.
- If your youth group heads to camp or mission trips each year, you need an insurance policy that travels with them.
- If you run a food pantry, there are liability coverage and volunteer-related risks to account for.
- If you have an online giving program, cyber liability is more important than you realize.
Church insurance doesn't come in one-size-fits-all policies. If your church insurance agent believes that, run! Church insurance policies are handcrafted to match your ministry, your people, and your mission.
What We’re Really Looking For
There are a few key things we’re always trying to uncover when we walk through this process of formulating a church insurance program.
- Your Primary Ministry Focus
Are you a church that runs multiple services each weekend with hundreds of people, or are you a tight-knit group of fifty with Wednesday night potlucks? Both need a coverage package. But not the same kind. - How You Use Your Facilities
Empty church buildings don’t cause claims. But full ones do. We want to know who is using your buildings and how often. If community groups are coming and going each night, that changes the liability risk. - The Nature of Your Staff and Volunteers
Churches aren’t just buildings. They’re people. And when we understand your leadership structure, your staff roles, and how volunteers are involved, we can help craft church liability coverage that reflects that. - The Programs You Offer
Children’s ministry, addiction recovery groups, food distribution, and marriage classes all create opportunity and risk. The better we understand them, the better your coverage limits will be. - How You View Stewardship
We’re not here to sell you the most expensive plan. We’re here to help you be faithful stewards of your budget. That starts with understanding your values and goals.
You Should Expect This From Any Good Agent
We know this might feel different from your last experience with a church insurance company or agent. Some church insurance agents will run a few numbers, drop a PDF in your inbox, and call it a quote.
That’s not us.
Because when the storm comes, and it always does. Your peace of mind won’t come from a low premium. The promise of certainty will come from knowing someone took the time to truly understand what you’re trying to protect.
And that's a church insurance policy that actually works for you instead of some big insurance company.
It’s Not Just An Insurance Policy. It’s Protection For Your Mission.
Even though churches have property insurance, they don’t buy church insurance policies for buildings. They buy it for people. For ministries. For the calling God has given them in their community.
As a result, our job is to ask questions and listen until we understand your mission. And then build protection around it to make sure a bad day doesn't decimate your ability to lead others. That's the purpose of True Texas Church Insurance.
So if you’re in leadership and you’ve wondered why your agent keeps it so surface-level, maybe it’s time for a different kind of conversation. One where the goal isn’t to sell an insurance policy. It’s to understand your purpose and help extend it.
Click the button below to schedule a review of your current church insurance coverage and let’s start with the questions that matter most.
Who are you and why are you here?